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Never Pay for Nothing

Automatic protection from the AI tax on failure Ever get charged for an AI request that returned absolutely nothing? Those moments when the model crashes, times out, or just decides to take a coffee break on your dime? Zero Completion Insurance has your back—automatically, completely, forever.

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🛡️ The Problem We Solved

Because paying for failure is just insulting The old way:
  • Model overloaded? That’ll be $0.15 please.
  • Provider timeout? Here’s your bill for zero tokens.
  • Empty response? Thanks for the donation!
  • System error? Pay up anyway!
The AnyAPI way:
  • Failed request? $0.00
  • Empty response? $0.00
  • Provider issues? $0.00
  • Zero tokens delivered? $0.00
Zero exceptions. Zero configuration. Zero tolerance for charging you for nothing.

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⚡ How It Works

Set it and forget it (because it’s already set) Zero Completion Insurance is always on. No toggles, no settings, no premium plans. Every single request is automatically protected from day one. The system watches for:
  • 🚫 Empty responses → Zero completion tokens + blank finish reason = $0 charge
  • ⚠️ Error responses → Error finish reason = $0 charge
  • 💥 Failed requests → Provider crashes, timeouts, etc. = $0 charge
  • 🤖 Model failures → Overloaded, unavailable, broken = $0 charge
When any of these happen, your bill stays at zero. Automatically.

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🎯 Real Protection in Action

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The Classic Model Overload

import requests

# You make this request
payload = {
    "model": "openai/gpt-4o",
    "messages": [
        {"role": "user", "content": "Write a 10,000-word essay on quantum mechanics"}
    ]
}

response = requests.post(
    "https://api.anyapi.ai/api/v1/chat/completions",
    headers={"Authorization": f"Bearer {API_KEY}", "Content-Type": "application/json"},
    json=payload
)

result = response.json()

# Model is overloaded, returns this:
{
    "choices": [
        {
            "message": {"content": "", "role": "assistant"},
            "finish_reason": "error",  # ← Insurance triggers here
            "index": 0
        }
    ],
    "usage": {
        "prompt_tokens": 25,
        "completion_tokens": 0,      # ← Zero tokens delivered
        "total_tokens": 25
    },
    "billing": {
        "credits_used": 0,           # ← You pay nothing
        "zero_completion_insurance": true  # ← Protection active
    }
}

print("Model failed, but you weren't charged!")

​
The Provider Timeout Scenario

# Big request that times out
payload = {
    "model": "anthropic/claude-3-5-sonnet-20241022",
    "messages": [
        {"role": "user", "content": "Analyze this 50-page document..."}
    ]
}

try:
    response = requests.post(url, headers=headers, json=payload, timeout=30)
    result = response.json()
    
    # Even if provider times out and you get nothing useful
    if result.get("billing", {}).get("zero_completion_insurance"):
        print("Timeout occurred - Zero Completion Insurance saved you money!")
        print(f"Credits charged: ${result['billing']['credits_used']}")  # Will be 0
        
except requests.exceptions.Timeout:
    print("Request timed out completely - no charges apply")

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💰 What’s Protected (And What Isn’t)

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✅ Fully Protected

  • Completion token costs → Zero tokens = zero charges, period
  • Failed API calls → System errors don’t cost you anything
  • Empty responses → Blank outputs are free, as they should be
  • Provider issues → Their problems aren’t your financial problems

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⚠️ Partial Protection

  • Input token processing → You may pay for prompt processing even if completion fails
  • Successful requests → Real responses with actual content are charged normally
  • Additional features → Web search, file processing, etc. still apply when used

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💡 The Logic

You pay for value delivered. No value = no payment. It’s that simple.

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📊 Monitor Your Savings

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Track Protected Requests

def check_insurance_savings():
    """See how much Zero Completion Insurance has saved you"""
    activity_response = requests.get(
        "https://api.anyapi.ai/api/v1/activity",
        headers={"Authorization": f"Bearer {API_KEY}"}
    )
    
    activity_data = activity_response.json()
    
    protected_requests = [
        req for req in activity_data["requests"] 
        if req.get("credits_used", 0) == 0 and 
           req.get("completion_tokens", 0) == 0 and
           req.get("zero_completion_insurance", False)
    ]
    
    print(f"Protected requests this month: {len(protected_requests)}")
    print("You saved money on these failures!")
    
    return protected_requests

# Check your savings
savings = check_insurance_savings()

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Response Indicators

Every API response shows insurance status: 
{
    "choices": [...],
    "usage": {
        "prompt_tokens": 15,
        "completion_tokens": 0,    // No value delivered
        "total_tokens": 15
    },
    "billing": {
        "credits_used": 0,         // No charge applied  
        "zero_completion_insurance": true  // Protection active
    }
}

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🛠️ Production Patterns

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The Bulletproof Retry Pattern

When insurance meets resilience 
import time

def bulletproof_ai_request(payload, max_retries=3):
    """Make requests with automatic retry and cost protection"""
    
    for attempt in range(max_retries):
        try:
            response = requests.post(
                "https://api.anyapi.ai/api/v1/chat/completions",
                headers={"Authorization": f"Bearer {API_KEY}", "Content-Type": "application/json"},
                json=payload
            )
            
            result = response.json()
            
            # Check if we got a real response
            content = result.get("choices", [{}])[0].get("message", {}).get("content")
            finish_reason = result.get("choices", [{}])[0].get("finish_reason")
            
            if content and finish_reason not in ["error", "failed"]:
                return {
                    "success": True,
                    "content": content,
                    "usage": result.get("usage", {}),
                    "cost": result.get("billing", {}).get("credits_used", 0)
                }
            
            # Zero Completion Insurance protected us - try again
            insurance_active = result.get("billing", {}).get("zero_completion_insurance", False)
            if insurance_active:
                print(f"Attempt {attempt + 1}: Protected by insurance, retrying...")
            
        except Exception as e:
            print(f"Attempt {attempt + 1}: Request failed with {e}")
        
        # Exponential backoff before retry
        if attempt < max_retries - 1:
            time.sleep(2 ** attempt)
    
    return {
        "success": False,
        "message": "All attempts failed, but you weren't charged for failures",
        "protected": True
    }

# Usage
result = bulletproof_ai_request({
    "model": "openai/gpt-4o",
    "messages": [{"role": "user", "content": "Explain quantum computing"}]
})

if result["success"]:
    print(f"Success! Cost: ${result['cost'] / 100:.4f}")
else:
    print("Failed but protected by insurance")

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High-Volume Batch Processing

Scale without fear of failure charges 
def protected_batch_processor(documents, model="anthropic/claude-3-haiku-20240307"):
    """Process many documents with automatic cost protection"""
    
    results = []
    protected_failures = 0
    actual_costs = 0
    
    for i, doc in enumerate(documents):
        payload = {
            "model": model,
            "messages": [
                {"role": "user", "content": f"Summarize this document: {doc}"}
            ]
        }
        
        response = requests.post(
            "https://api.anyapi.ai/api/v1/chat/completions",
            headers={"Authorization": f"Bearer {API_KEY}", "Content-Type": "application/json"},
            json=payload
        )
        
        result = response.json()
        
        # Check insurance status
        if result.get("billing", {}).get("zero_completion_insurance"):
            protected_failures += 1
            print(f"Document {i+1}: Failed but protected by insurance")
            continue
        
        # Successful processing
        content = result.get("choices", [{}])[0].get("message", {}).get("content")
        if content:
            results.append({
                "document_index": i,
                "summary": content,
                "cost": result.get("billing", {}).get("credits_used", 0)
            })
            actual_costs += result.get("billing", {}).get("credits_used", 0)
    
    return {
        "processed": len(results),
        "protected_failures": protected_failures,
        "total_cost": actual_costs,
        "cost_per_success": actual_costs / len(results) if results else 0,
        "results": results
    }

# Process 1000 documents without worrying about failure costs
batch_results = protected_batch_processor(document_list)
print(f"Successfully processed: {batch_results['processed']}")
print(f"Protected failures: {batch_results['protected_failures']}")
print(f"Total cost: ${batch_results['total_cost'] / 100:.2f}")

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Mission-Critical Fallback System

When failure isn’t an option, but charges shouldn’t be either 
def mission_critical_request(prompt, fallback_chain=None):
    """Try multiple models with cost protection on failures"""
    
    if fallback_chain is None:
        fallback_chain = [
            "openai/gpt-4o",
            "anthropic/claude-3-5-sonnet-20241022", 
            "openai/gpt-4o-mini",
            "anthropic/claude-3-haiku-20240307"
        ]
    
    attempt_log = []
    
    for model in fallback_chain:
        payload = {
            "model": model,
            "messages": [{"role": "user", "content": prompt}]
        }
        
        try:
            response = requests.post(
                "https://api.anyapi.ai/api/v1/chat/completions",
                headers={"Authorization": f"Bearer {API_KEY}", "Content-Type": "application/json"},
                json=payload
            )
            
            result = response.json()
            
            # Check for insurance protection (failure)
            if result.get("billing", {}).get("zero_completion_insurance"):
                attempt_log.append({
                    "model": model,
                    "status": "failed_but_protected",
                    "cost": 0
                })
                continue
            
            # Check for successful response
            content = result.get("choices", [{}])[0].get("message", {}).get("content")
            if content:
                attempt_log.append({
                    "model": model,
                    "status": "success",
                    "cost": result.get("billing", {}).get("credits_used", 0)
                })
                
                return {
                    "success": True,
                    "content": content,
                    "model_used": model,
                    "attempt_log": attempt_log,
                    "total_cost": result.get("billing", {}).get("credits_used", 0)
                }
        
        except Exception as e:
            attempt_log.append({
                "model": model,
                "status": "error",
                "error": str(e),
                "cost": 0
            })
    
    return {
        "success": False,
        "message": "All fallback models failed",
        "attempt_log": attempt_log,
        "total_cost": 0,  # Protected by insurance
        "protected": True
    }

# Usage for critical operations
result = mission_critical_request("Generate the quarterly financial report")

if result["success"]:
    print(f"Mission accomplished with {result['model_used']}")
    print(f"Cost: ${result['total_cost'] / 100:.4f}")
else:
    print("Mission failed, but you weren't charged for the failures")
    print("All providers temporarily unavailable")

​
🚀 Advanced Monitoring & Analytics

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Insurance Impact Analysis

def analyze_insurance_impact(days=30):
    """Analyze how much Zero Completion Insurance has saved you"""
    
    # Get activity for the last N days
    activity = get_activity_data(days=days)
    
    total_requests = len(activity["requests"])
    protected_requests = [
        req for req in activity["requests"] 
        if req.get("zero_completion_insurance", False)
    ]
    
    successful_requests = [
        req for req in activity["requests"]
        if req.get("credits_used", 0) > 0
    ]
    
    # Calculate what you would have paid without insurance
    # (Rough estimate based on successful request average)
    avg_cost_per_request = sum(req["credits_used"] for req in successful_requests) / len(successful_requests) if successful_requests else 0
    estimated_savings = len(protected_requests) * avg_cost_per_request
    
    return {
        "period_days": days,
        "total_requests": total_requests,
        "successful_requests": len(successful_requests),
        "protected_requests": len(protected_requests),
        "protection_rate": len(protected_requests) / total_requests * 100,
        "estimated_savings_credits": estimated_savings,
        "estimated_savings_dollars": estimated_savings / 100,
        "avg_cost_per_success": avg_cost_per_request / 100
    }

# Monthly analysis
analysis = analyze_insurance_impact(30)
print(f"Protection Rate: {analysis['protection_rate']:.1f}%")
print(f"Estimated Savings: ${analysis['estimated_savings_dollars']:.2f}")
print(f"Protected Requests: {analysis['protected_requests']}")

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💡 Pro Tips

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🎯 Maximize Your Protection

  • Use retry logic → Insurance covers failures, retries often succeed
  • Monitor failure patterns → High failure rates might indicate model or prompt issues
  • Track your savings → See the real value insurance provides
  • Don’t fear experimentation → Try demanding prompts without worrying about failure costs

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⚡ Performance Optimization

  • Implement exponential backoff → Give overloaded models time to recover
  • Use fallback model chains → Increase success rates while staying protected
  • Monitor provider status → Switch to healthier providers during outages
  • Cache successful patterns → Reduce requests that might fail

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🔍 Debugging with Insurance

def debug_with_insurance(payload):
    """Debug requests without worrying about costs"""
    
    response = requests.post(url, headers=headers, json=payload)
    result = response.json()
    
    if result.get("billing", {}).get("zero_completion_insurance"):
        print("🛡️  Request failed but protected by insurance")
        print(f"Finish reason: {result.get('choices', [{}])[0].get('finish_reason')}")
        print(f"Completion tokens: {result.get('usage', {}).get('completion_tokens', 0)}")
        print("💡 Try adjusting your prompt or switching models")
        return None
    
    return result

# Debug freely - failures won't cost you
debug_result = debug_with_insurance(experimental_payload)

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📋 Quick Reference

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✅ Always Protected

  • Empty responses (0 completion tokens)
  • Error finish reasons
  • Provider timeouts and crashes
  • Model overloads and failures
  • System errors and exceptions

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📊 Check Protection Status

# In every response
insurance_active = result.get("billing", {}).get("zero_completion_insurance", False)
credits_charged = result.get("billing", {}).get("credits_used", 0)

if insurance_active:
    print("Protected by insurance - no charge")
elif credits_charged == 0:
    print("Free response (possibly due to promotions)")
else:
    print(f"Successful response - charged {credits_charged} credits")

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🎯 Best Practices

  1. Always implement retry logic for failed requests
  2. Monitor protection rates to identify systemic issues
  3. Use multiple fallback models for critical applications
  4. Track your savings to understand insurance value
  5. Don’t disable timeout protection in client libraries
Never pay for nothing again. Zero Completion Insurance: always on, always protecting, always free.